Best and cheapest companies for home and auto bundles in North Dakota

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from North Dakota insurers to help you find the carriers that offer the most affordable rates after bundling.

In North Dakota, American Family offers the highest percentage of savings on home and auto bundles. Bundling your policies with American Family can help you save an average of 21%.

American Family provides the lowest bundled rate in North Dakota, with an average cost of $3,244 for combining your home and auto policies.

Key Takeaways

In North Dakota, American Family is the best home and auto bundle insurance provider, offering an average discount of 21%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in North Dakota

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in North Dakota for home and auto bundling.

American Family

American Family offers a 21% bundle discount, which amounts to an average savings of $848. The combined cost of home and auto insurance before the discount is $4,092, and after the discount, it drops to $3,244.

State Farm

State Farm offers an average discount of $800 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $4,300, but with the discount, the price drops to $3,500.

Allstate

Bundling auto and home insurance with Allstate can save an average of $783, or 18%. Without the discount, the coverage costs $4,403, but after the discount, it’s only $3,620.

Farmers Insurance

Farmers Insurance offers an average bundle discount of $974, which is about 16%. Without the discount, the combined cost of home and auto insurance is $6,081. After applying the discount, the total cost drops to $5,107.

Auto-Owners

Auto-Owners offers an average bundle discount of $481, or 10%. The average rate for coverage before the discount is $4,651, and with the discount, it’s reduced to $4,170.

Compare home and auto bundles in North Dakota

Bundling your home and auto insurance in North Dakota can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
American Family	$3,244	50	85	A	21%	79.5
State Farm	$3,500	47	87.4	A++	19%	77.67
Allstate	$3,620	39	85	A+	18%	72.61
Farmers Insurance	$5,107	43	82	A	16%	60.06
Auto-Owners	$4,170	49	81.2	A++	10%	59.83

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What company offers the cheapest home and auto bundle in North Dakota?

American Family provides the largest discount on premiums for bundled insurance, while American Family offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
American Family	$2,885	$1,207	$4,092	$3,244
North Star Mutual	$1,839	$1,951	$3,790	$3,281
State Farm	$2,976	$1,324	$4,300	$3,500
Nodak Insurance	$2,107	$1,836	$3,943	$3,586
Allstate	$2,049	$2,354	$4,403	$3,620
Auto-Owners	$2,953	$1,698	$4,651	$4,170
Farmers Insurance	$4,411	$1,670	$6,081	$5,107

Most and least expensive ZIP codes for home and auto insurance bundles in North Dakota

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in North Dakota.

Most expensive ZIP codes

The ZIP code 58520 in North Dakota has the highest average cost for bundling home and auto insurance, at $4,420. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
58520	$4,420	16%
58571	$4,275	16%
58418	$4,116	16%
58622	$4,103	16%
58505	$4,065	16%
58504	$4,047	16%
58501	$4,043	16%
58601	$4,034	16%
58421	$4,002	16%
58503	$4,000	16%

Least expensive ZIP codes

The least expensive ZIP code in North Dakota for bundling home and auto insurance is 58078, with an average cost of $3,389. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
58078	$3,389	16%
58701	$3,629	16%
58401	$3,667	16%
58214	$3,677	16%
58703	$3,683	16%
58075	$3,718	16%
58707	$3,723	16%
58405	$3,741	16%
58237	$3,742	16%
58801	$3,785	16%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in North Dakota?

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

Remember when buying insurance that you’re doing so to protect your most valuable assets, says Christine O’Brien, president of the Insurance Council of New Jersey. Take the time to learn about policy limits and coverages and get several quotes.

How can you switch to a home and auto bundle in North Dakota?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.